Carrying out a car accident claim against an insurance company is a difficult undertaking to bear, which is a reason why claimants seek the help of a New York car accident attorney specializing in car crash cases. If you cannot afford such representation, however, or the amount of your claim is not worth the costs, you may consider resolving the car accident insurance claim yourself. While having consultation of a lawyer for insurance claims is the best way there is, especially when you have suffered severe damages and injuries, it is much better to prepare for a car accident insurance, particularly if you have the will to win the case.
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First things first. You have to contact the insurance company immediately to report the mishap that has occurred. Sum up your account of the incident, and give detailed descriptions about damages of your vehicle, injuries you have suffered, and emergency medical and surgical treatments you have received. Never place any amount of monetary value on the damages sustained in your report, even if the insurance company requires you to. Just state that you are uncertain of the figures at this time, and you will provide them with the information as the numbers were laid out upon you. Your communications with them over telephone or any wired media will surely be recorded, so do not give out any information beyond your bare needs.
Have your vehicle inspected by at least two experienced mechanics. But if you have a personal mechanic that you had employed since the vehicle purchase, you can use him alone instead. You can be either awarded a free repair costs to reinstate the vehicle, or a reimbursement for the fair market value of the vehicle before the accident if the vehicle is declared totaled or written-off. Also, you have to get copies of all your medical records and bills regarding to treatments of your injuries. You will need to provide both records and bills to the insurance company to settle the claim, but be sure to keep the originals in your records.
Then, calculate the sum of all expenses you have sustained from the accident. Damages, medical treatment, and lost wages are instances of the liabilities you can seek reimbursement for. Review copies of your bills to get details of your expenses. If you have considerable injuries that will need extensive or constant treatment, consult further counsel from your New York car accident lawyer or New York personal injury lawyer.
Lay out a report detailing the damages you are claiming for from the insurance company, and attach copies of all your bills to substantiate your claim. Do not be surprised if the insurance company offers you far less than what you deem you deserve. If the insurance company persists to offer you less than your actual demands, continue sending reports with firm statement that you will deny each offer less than what you need.
Lastly, get yourself prepared to spend an average of about twelve months of settling your insurance claim before the court. Most insurance companies will try to bargain their settlements to save money, and will fight head on equally to pay as little as possible. Claimants who decline to seek help of a car crash attorney who is knowledgeable in vehicular regulations such as Seattle car wreck laws are most likely to give up and accept a lower amount to end the dispute. Which is why retaining a good car crash lawyer is very important when resolving car accident insurance claims.
Contact today at 800-510-9695 to schedule a free initial consultation.